ONTARIO SOCIETY OF COLLECTION AGENCIES

CODE OF ETHICS

OSCA policies concerning the conduct of its members in the operation of their respective businesses are very strict and must be adhered to at all times.

OSCA must always persist in our resolve, while being firmly effective and unbiased, to be sensible, fair and honourable in the pursuit of our objective; to represent the Collection Agency Industry in the Province of Ontario.

1. All member collection agencies shall act with moral and ethical obligation to represent their clients in the best interest of preserving the clients reputation and standing in the creditor community.

2. All member collection agencies shall act with moral and ethical obligation to represent their business community and fellow OSCA membership in the best interest of preserving the collection agencies' reputation in the general business and creditor community.

3. All member collection agencies will ensure that all personnel follow and abide by the laws and legislation under the Collection Agencies Act, in the Province of Ontario.

4. All member collection agency management will endorse and facilitate fair and respectful treatment of the public at large.

5. All member collection agencies will encourage education and career development within the collection agency industry.

6. No member collection agency shall discriminate on grounds of race, colour, creed, sex, religion or national origin.

7. All member collection agencies will limit the name OSCA to only the office for which membership is in effect. The identification and logo of OSCA may not appear on sales material, stationary or forms that list additional offices or locations that do not hold membership in OSCA.

8. All member collection agencies, in dealings with the public or with their respective clients, will act professionally and state clearly the services to be performed and the terms under which they shall be performed.